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Health Savings Account (HSA)
Choose a smarter way to manage your health savings.
Qualified Out-of-Pocket Medical Expenses Include
2026 HSA Annual Contribution Limits:
2026 Single HSA Annual Contribution Limit: $4,400.00
2026 Family HSA Annual Contribution Limit: $8,750.00
To be eligible for HSA, owner must have a qualified, high deductible health insurance plan.
Annual contribution limits are determined by the Internal Revenue Service (IRS).
Funds withdrawn for non-qualified expenses will be taxed at your income-tax rate, plus a 20% tax penalty if under the age of 65.
The IRS states that a negative balance in your HSA account is prohibited by federal law. This means that you cannot have any transaction, fee or charge that causes your HSA account to have a negative balance. It is extremely important that you do not overdraw your HSA account.
We encourage you to set up an account balance alert on your HSA account to help effectively manage your account and avoid a negative balance. By opening an HRCU HSA, you agree to immediately deposit sufficient funds to eliminate any negative balance should that situation occur, and also authorize HRCU to transfer funds from any other HRCU account in which you have an interest, to create a non-negative balance in the HSA checking account.
If you do not correct a negative account balance immediately, The IRS will consider your account in a prohibited state and by law HRCU must close your account. According to the Internal Revenue Code, if an HSA account results in a negative balance, the HSA will cease to be an HSA on the first day of the year in which the prohibited transaction occurred, thus becoming taxable.
Health Savings Account
Effective Date: 8/17/2026
| Minimum Deposit | Dividend Rate | APY* | Minimum Balance to Earn APY |
|---|---|---|---|
| $0 | 0.10% | 0.10% | $5 |
| $2,500 | 0.30% | 0.30% | $2,500 |
| $10,000 | 0.55% | 0.55% | $10,000 |
*APY=Annual Percentage Yield. All Dividends are based on the Average Daily Balance and are paid monthly. All rates are variable and subject to change without notice. Deposits are fully insured up to $500,000; to at least $250,000 by the NCUA and $250,000 by Excess Share Insurance. Maintenance or activity fees could reduce the earnings on the account.
Learn how to access your accounts, navigate the portal, and take advantage of the tools available to help you manage your HSA & IRA accounts online.
The Superior IRA and HSA Member Portal is an online portal that allows you to view account balances, update information related to your IRA or HSA accounts, initiate contributions and withdrawals, view your tax forms and, once you have an established account, open additional IRA or HSA accounts online.
To log in, enter the email address associated with your HRCU membership. A verification PIN will be sent to your email address each time you log in to help keep your account secure.
Yes. You will continue to be able to view your IRA and HSA account balances through Online Banking and Mobile Banking, just as you do today.
No. Your IRA and HSA information will continue to be included on your regular HRCU account statements, and the format of your statements will remain the same.
If you need assistance, please call us at 603-332-6840 or email info@hrcu.org.
Yes! The portal provides convenient access to your tax forms electronically. Tax forms will also continue to be mailed to you annually.
Yes. You can submit beneficiary updates directly through the portal, making it easier to keep your account information current.
Yes. You can submit IRA distribution requests online through the portal. Distribution proceeds can be transferred directly to an existing HRCU account or mailed to the address on file in the form of a check.
Yes. The portal allows you to submit transfer and rollover requests electronically.
The portal includes a Pending Requests section that allows you to track the status of submitted requests. You will be able to see whether a request is pending review or has been approved.
Yes. You can submit a contribution request through the portal using funds from an existing HRCU account or by mailing a check.
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